What the heck just happened??

[Anonymous]

I don't understand!! This is just with experian. So, lender pull had experian at a 642 on February 10. I checked myfico8 and it said 647. OK. Fine. Got a notice that my Experian jumped up to a 656 on the score 8. So, I ran a report to see what a lender pull would put it at. IT DROPPED THE SCORE  TO A 601!! Why?? Now, my top lender pull is basically my middle and too low to qualify for ANYTHING. Why would my fico score go up 9 point and my fico 2 (mortgage lender) score drop 41??

Credit is such a racket. No one understands it. NO ONE> I am so upset. We are going to lose our financing over this......WHAT HAPPENED???

[NRB525]

Sorry to hear about the score drop.

I don't have an answer about why the scores would be different, other than raising some standard questions to get background.

Were the lender versions from exactly the same source? Run in exactly the same way?

Did you get any inquiries in the last few days?

Are you getting CR monitoring here at MyFICO to know when items change on your credit file?

Was anything new reported? Any old baddies suddenly show up? Those have happened to some others here, long forgotten collections for example.

Any reported increases in balances? Balances going to zero?

There's something there, which would cause the score change, the challenge is to go through all the details of the last couple of weeks to figure out what that trigger was just recently.

[Anonymous]

bump,

sorry to hear about the drop

[Anonymous]

Nothing changed, except I did pay off my big credit card. Maybe that did it? My overall untilization should much better, but I did pay that card down to 0. Think I should spend it back up to 9%? Ugg. No new bads, everything exactly the same.

[DoroLucky]

I think paying the card down to $0 had something to do with it. I paid off an acct recently and experienced score drop, but it wasn't more than 10 pts yikes!!

[Anonymous]

i just had the reverse happen to me today 

balance on cc went up by $313 today and FICO score went up by 23 points 

 this morning   654     this evening 678       EX      all others stayed the same
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BALANCE AMOUNT INCREASE DETAILS

was$219   now $532